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  <xs:element id="slm_NetIncreaseDecreaseinUpfrontLoanFees" abstract="false" name="NetIncreaseDecreaseinUpfrontLoanFees" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="slm_LoansOriginatedThreeYearsBeforeLatestFiscalYear" abstract="false" name="LoansOriginatedThreeYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_AllowanceAsPercentageOfEndingLoanBalanceAndAccuredInterest" abstract="false" name="AllowanceAsPercentageOfEndingLoanBalanceAndAccuredInterest" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <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_FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear" abstract="false" name="FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_AllowanceCoverageOfChargeOffsEndingLoans" abstract="false" name="AllowanceCoverageOfChargeOffsEndingLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_PercentOfBalanceAbstract" abstract="true" name="PercentOfBalanceAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear" abstract="false" name="FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_PrivateEducationLoansSecuritizedIn2023Member" abstract="true" name="PrivateEducationLoansSecuritizedIn2023Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs" abstract="false" name="AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="slm_LoansOriginatedFourYearsBeforeLatestFiscalYear" abstract="false" name="LoansOriginatedFourYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_LoansPledgedAsCollateralPrincipalAmount" abstract="false" name="LoansPledgedAsCollateralPrincipalAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" 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_SchoolFICORefreshedAmountsMember" abstract="true" name="SchoolFICORefreshedAmountsMember" 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_FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear" abstract="false" name="FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_Maturity2051Member" abstract="true" name="Maturity2051Member" 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_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery" abstract="false" name="FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_AmortizationOfABCPUpfrontLoanFees" abstract="false" name="AmortizationOfABCPUpfrontLoanFees" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_BorrowingsCollateralizedByLoansInTrustIssued" abstract="false" name="BorrowingsCollateralizedByLoansInTrustIssued" nillable="true" xbrli:periodType="duration" 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_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_TaxIndemnificationReceivable" abstract="false" name="TaxIndemnificationReceivable" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_TierTwoofGovernmentGuarantee" abstract="false" name="TierTwoofGovernmentGuarantee" 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_PrivateEducationLoansAtOrigination" abstract="false" name="PrivateEducationLoansAtOrigination" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_CosignerMember" abstract="true" name="CosignerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_LoansInRepaymentBeforeAllowanceForCreditLoss" abstract="false" name="LoansInRepaymentBeforeAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" 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"/>
  <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_Maturity2042Member" abstract="true" name="Maturity2042Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_BrokeredDeposits" abstract="false" name="BrokeredDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FinancingReceivableThresholdPeriodForPaymentDefault" abstract="false" name="FinancingReceivableThresholdPeriodForPaymentDefault" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="slm_FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_Maturity2054Member" abstract="true" name="Maturity2054Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_Maturity2053Member" abstract="true" name="Maturity2053Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_StableInterestbearingDepositsTotal" abstract="false" name="StableInterestbearingDepositsTotal" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" abstract="false" name="DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <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_AllowanceAbstract" abstract="true" name="AllowanceAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="slm_AccruedInterestReceivableOnPrivateEducationLoans" abstract="false" name="AccruedInterestReceivableOnPrivateEducationLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" 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_NumeratorAbstract" abstract="true" name="NumeratorAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_LoansGrossOriginatedFourYearsBeforeLatestFiscalYear" abstract="false" name="LoansGrossOriginatedFourYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_OperatingExpensesExcludingAmortizationOfIntangibleAssets" abstract="false" name="OperatingExpensesExcludingAmortizationOfIntangibleAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts" abstract="false" name="DerivativeInstrumentPercentofTotalNotionalDerivativeContracts" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_NumberOfCounterparties" abstract="false" name="NumberOfCounterparties" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="slm_PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear" abstract="false" name="PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" 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_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" 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_FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_LossContingencyLossEmergencePeriod" abstract="false" name="LossContingencyLossEmergencePeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <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_BrokeredDepositPlacementFee" abstract="false" name="BrokeredDepositPlacementFee" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss" abstract="false" name="FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_AccruedInterestReceivableNotExpectedToBeCapitalized" abstract="false" name="AccruedInterestReceivableNotExpectedToBeCapitalized" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsMember" abstract="true" name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsMember" 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_LoansAbstract" abstract="true" name="LoansAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_AccruedInterestToBeCapitalizedOnLoansInRepayment" abstract="false" name="AccruedInterestToBeCapitalizedOnLoansInRepayment" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_LoansSecuritizedOrAssetBackedFinancingArrangementOwnershipInterestPercentage" abstract="false" name="LoansSecuritizedOrAssetBackedFinancingArrangementOwnershipInterestPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_CreditQualityIndicatorsAxis" abstract="true" name="CreditQualityIndicatorsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="slm_DepositsFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" abstract="false" name="DepositsFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FinancingReceivablesAmortizedCostBasisTableTextBlock" abstract="false" name="FinancingReceivablesAmortizedCostBasisTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="slm_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable" abstract="false" name="ThresholdPeriodPastDueForWriteOffOfFinancingReceivable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" 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_LoansPledgedAsCollateralCapitalizedInterest" abstract="false" name="LoansPledgedAsCollateralCapitalizedInterest" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" abstract="false" name="LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" 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_AccruedInterestReceivableTableTextBlock" abstract="false" name="AccruedInterestReceivableTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="slm_CumulativeEffectPeriodOfAdoptionAdjustedPhaseInAmountsRemainingMember" abstract="true" name="CumulativeEffectPeriodOfAdoptionAdjustedPhaseInAmountsRemainingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_WeightedAverageLifeOfLoans" abstract="false" name="WeightedAverageLifeOfLoans" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <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_RetailandOtherDeposits" abstract="false" name="RetailandOtherDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_TierOneRiskBasedCapitalforCommonEquityRequiredtobeCapitalized" abstract="false" name="TierOneRiskBasedCapitalforCommonEquityRequiredtobeCapitalized" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_AllowanceForCreditLossesAbstract" abstract="true" name="AllowanceForCreditLossesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear" abstract="false" name="NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_DerivativeCashCollateralHeldRelativetoDerivativeExposureNet" abstract="false" name="DerivativeCashCollateralHeldRelativetoDerivativeExposureNet" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_OtherLiabilitiesReserve" abstract="false" name="OtherLiabilitiesReserve" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_PeriodofLoansPastDueThatHaveAccruedInterest" abstract="false" name="PeriodofLoansPastDueThatHaveAccruedInterest" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="slm_NetIncreaseDecreaseInLoansHeldForInvestmentExcludingLoansAcquiredOriginatedAndSales" abstract="false" name="NetIncreaseDecreaseInLoansHeldForInvestmentExcludingLoansAcquiredOriginatedAndSales" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear" abstract="false" name="PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <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_Maturity2027Member" abstract="true" name="Maturity2027Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded" abstract="false" name="FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_Maturity2055Member" abstract="true" name="Maturity2055Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_FICOscorelessthan670Member" abstract="true" name="FICOscorelessthan670Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_AdoptionOfNewAccountingPronouncementsPercentPhasedInDuringYear" abstract="false" name="AdoptionOfNewAccountingPronouncementsPercentPhasedInDuringYear" 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_TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts" abstract="false" name="TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" 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_WeightedAverageInterestRateonLoans" abstract="false" name="WeightedAverageInterestRateonLoans" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost" abstract="false" name="FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan" abstract="false" name="FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="slm_LoansInForbearanceMember" abstract="true" name="LoansInForbearanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_FinancingReceivableModificationsNumberOfTermChanges" abstract="false" name="FinancingReceivableModificationsNumberOfTermChanges" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <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_FICOscore670699Member" abstract="true" name="FICOscore670699Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_PercentOfPrivateLoans" abstract="false" name="PercentOfPrivateLoans" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <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_PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" abstract="false" name="PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <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_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal" abstract="false" name="FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear" abstract="false" name="LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_InterestRateReductionAndTermExtensionMember" abstract="true" name="InterestRateReductionAndTermExtensionMember" 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_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsMember" abstract="true" name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear" abstract="false" name="PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_FinancingReceivableTroubledDebtRestructuringWriteDown" abstract="false" name="FinancingReceivableTroubledDebtRestructuringWriteDown" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_USGovernmentSponsoredEnterprisesAndTreasuriesMember" abstract="true" name="USGovernmentSponsoredEnterprisesAndTreasuriesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_OffBalanceSheetCreditLossLiabilityWriteoff" abstract="false" name="OffBalanceSheetCreditLossLiabilityWriteoff" nillable="true" xbrli:periodType="duration" 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_FinancingReceivableCreditLossExpenseReversalCommitments" abstract="false" name="FinancingReceivableCreditLossExpenseReversalCommitments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_CriteriaForLoansToBeConsideredAsNonperforming" abstract="false" name="CriteriaForLoansToBeConsideredAsNonperforming" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <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_FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest" abstract="false" name="FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest" 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_Maturity2058Member" abstract="true" name="Maturity2058Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_InterestBearingDepositsTableTextBlock" abstract="false" name="InterestBearingDepositsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <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_AdjustmentsToAdditionalPaidInCapitalDividendsEquivalentUnitsRelatedToEmployeeStockBasedCompensationPlans" abstract="false" name="AdjustmentsToAdditionalPaidInCapitalDividendsEquivalentUnitsRelatedToEmployeeStockBasedCompensationPlans" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FinancingReceivableIncrementsInWhichForbearanceIsGranted" abstract="false" name="FinancingReceivableIncrementsInWhichForbearanceIsGranted" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="slm_SMBPrivateEducationLoanTrust2022CMember" abstract="true" name="SMBPrivateEducationLoanTrust2022CMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_AccruedInterestToBeCapitalizedCollectivelyEvaluatedForImpairment" abstract="false" name="AccruedInterestToBeCapitalizedCollectivelyEvaluatedForImpairment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FinancingReceivableCreditLossExpenseReversalOtherImpacts" abstract="false" name="FinancingReceivableCreditLossExpenseReversalOtherImpacts" nillable="true" xbrli:periodType="duration" 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_TierOneofGovernmentGuarantee" abstract="false" name="TierOneofGovernmentGuarantee" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <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_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear" abstract="false" name="FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear" abstract="false" name="NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent" abstract="false" name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <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_StudentLoansacquiredandoriginated" abstract="false" name="StudentLoansacquiredandoriginated" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_AssetsFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" abstract="false" name="AssetsFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent" abstract="false" name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_UnfundedCommitmentsAbstract" abstract="true" name="UnfundedCommitmentsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
</xs:schema>
